The cash withdrawn is interest-free(2), with monthly handling fee as low as 0.22%(1). For every spending of HKD10,000, the handling fee is just HKD22(3) per month.

Special offer for monthly handling fee is valid until 24 January 2019

Flexible repayment period

You can choose to repay by 6, 12, 24, 36, 48 or 60 monthly instalments

Combine various transactions for application

You can combine various new transactions e.g. spending at retail merchants and online bill payment on Hang Seng credit card statement for application(4).

You can apply with different monthly statements

From 25 November 2018 to 24 March 2019 ("Promotion Period"), you can enjoy up to extra $100 Cash Dollars upon approval of online(5) application for Instalment Plans with 12 or above monthly instalments:

The 0.22% monthly handling fee is applicable to selected customers and designated instalment amount, and is for reference only. The handling fee is to be determined by Hang Seng from time to time for individual promotion. The annualized percentage rate (APR) of 0.22% monthly handling fee are as follows: 4.61% for 6 months, 4.95% for 12 months, 5.11% for 24 months, 5.14% for 36 months, 5.13% for 48 months, 5.11% for 60 months. The APR is calculated based on the requirement of the Code of Banking Practice. APR is a reference rate which expresses the fees and charges of respective product as an annualized rate.

If you fail to make full repayment of the statement balance specified in your credit card account statement on or before the payment due date of each month, you shall pay a finance charge and other charges on any monthly instalment amount due but unpaid at the prevailing interest rate applicable to your credit card account from the post date of such monthly instalment.

The calculation of the monthly handling fee as low as HKD22 is assumed as follow: HKD10,000 (withdrawal amount) x 0.22% (Monthly Handling Fee), this example is for reference only.

The minimum total amount to apply for spending instalment is HKD3,000. Applicable to designated spending categories only, for details, please refer to Clause 3 of the Terms and Conditions for Interest-free Spending Instalment - Personalized Monthly Handling Fee Plan.